Cyber Liability Insurance

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The Remaining Risk: What Isn't Covered and Why it Matters

One of the most common issues with Business Insurance is that policy owners often fail to understand what it does protect you against, and the risks that still remain ... step to knowing what your coverage includes is to understand its ... you can work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... systems and data. Therefore, a Cyber Liability insurance policy can act as ... includes having sufficient Business Insurance coverage to provide financial protection. Depending ...

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The Remaining Risk: What Isn't Covered and Why it Matters

One of the most common issues with Business Insurance is that policy owners often fail to understand what it does protect you against, and the risks that still remain ... step to knowing what your coverage includes is to understand its ... you can work again. Cyber Liability Insurance – Cyber Liability Insurance protects against the expenses ...

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Insurance for Accountants

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Cyber Liability Insurance: the safety net small businesses need

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Scams & Cybercrime at Tax Time

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Business Horror Stories

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... due to an insurable event. Cyber Liability There's a reason why ... 't become a statistic.[i] Cyber Liability insurance provides essential financial protection ...

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Cyber Security For Small Business

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Turn the spotlight on hackers and protect your data

Your business might pride itself on great service or friendly staff, but your success is really built on the trust your customers have in you. After all, when they hand ... any potential costs. For example, Cyber Liability Insurance covers your business against ... more about the benefits of Cyber Liability Insurance and also use these ...

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The Risky Business of Insurance

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Is Your Businesses Target for Cyber Criminals?

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Cyber Insurance: Is it worth it?

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Stay Smart Online Week: Q&A with experts on Small Business Cyber Risks

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Insurance for Land Surveyors

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Cyber Security For Small Business

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Insurance for Retailers

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Insurance for Project Managers

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The Risks of Growing Your Small Business

The only strategy that is guaranteed to fail is not taking risks. Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the baby steps, ... or even a year. Consider Cyber Liability insurance, especially if your business ... , DDOS attacks and session hijacking. Cyber Liability insurance may not prevent an ...

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Insurance for Professionals

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Turn the spotlight on hackers and protect your data

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Insurance for Psychologists

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Insurance for Gift Shops

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Insurance for Nurses

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5 Questions to ask yourself before buying Insurance for your Small Business

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The Easter Bunny's Guide to Business Insurance

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Insurance for Disability Workers

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Public Liability Insurance in Perth

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Public Liability Insurance in Rockhampton

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Public Liability Insurance in Mandurah

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Public Liability Insurance in Hobart

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Public Liability Insurance in Darwin

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Public Liability Insurance in Brisbane

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Public Liability Insurance in Adelaide

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Insurance for Cleaners

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Insurance for pharmacy and pharmacists

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Insurance for Cabinet Makers

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Public Liability Insurance in Newcastle

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Insurance for Civil Engineers

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Insurance for Restaurants

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Insurance for Cafes

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Insurance for Painters

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Insurance for Dog Walkers

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Insurance for Plasterers

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Insurance for Convenience Stores

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Insurance for Butcher Shops

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Public Liability WA

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Insurance for Yoga Teachers

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Insurance for makeup artists

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Public Liability NSW

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Public Liability QLD

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Employment Practices Liability

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Statutory Liability

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What is Product Liability Insurance?

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Insurance for Handyman

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Insurance for Electricians

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Public Liability PPC

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Insurance Glossary

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Insurance for Tradesmen

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Insurance for Furniture Manufacturers

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Insurance for Personal Trainers

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Insurance for Mobile Food Vans

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Insurance for Manufacturers

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Insurance for Hair & Beauty Services

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Insurance for Engineers

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Management Liability Insurance

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Insurance for Architects

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Insurance by Industry

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What is Public Liability Insurance?

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Business Insurance

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Public Liability

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight Quarters, but have we seen the bottom? Australian SME's continue to benefit lower premium rates due to the abundance of ... , Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide turning? An oversupply of capacity and competition in the insurance market over the last few years has ... , Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb ... . The Combined Professional Indemnity & Public Liability market, which is largely dominated ...

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Additional Cover for Professional Indemnity Insurance

By Kate Jones Clients frequently ask Hish Fernando for his certificates of insurance - it's just part of the business. Hish is the managing director of Information Mines ... definitely would recommend it.” Public liability protects businesses from bodily injury ... spent researching different insurers and coverage, deciphering the costs and awaiting ...

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Public Liability Insurance

Just imagine: A phone call out of the blue. The caller has a voice you don't recognise. He's telling you he is hurt - badly - and you're responsible. You hang up. He ... . What Janine needed was public liability insurance or insurance that protects ... relatively simple process. Purchasing public liability insurance online, where quotes are ...

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BizCover Celebrates Third Consecutive Fast 50 Ranking

BizCover has once again been listed by the Deloitte Technology Fast 50 Awards as one of Australia's fastest growing technology companies. BizCover remains the only commercial ... Professional Indemnity, Public Liability, Business Insurance, Management Liability and now Cyber Insurance. BizCover ...

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BizCover expands into New Zealand and launches BizCover.co.nz

Auckland, New Zealand - February 8, 2011. BizCover, the pioneer online insurance marketplace in Australia and leading provider of online professional indemnity insurance ... quickly access information and insurance coverage specifically designed for their occupation ... add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated ...

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Professional Indemnity Insurance for Consultants

A large number of people that start businesses, in Australia have been experiencing a steady growth in business for the past few years. One area that is growing in magnitude ... the center of your insurance coverage and you will usually be ... add business insurance or public liability insurance for your own protection ...

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Sometimes Professional Indemnity Insurance is Needed

... insurance is handcrafted to provide coverage for claims brought against the ... ... insurance is handcrafted to provide coverage for claims brought against the ... parties where they need the coverage and protection most: Their bank ...

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Misconceptions Around Professional Indemnity Insurance

A common misconception is that the claims professional indemnity insurance covers are only the experiences of the business that does inadequate work for clients. This ... cautious. Increasing the amount of coverage if is appropriate, may be ... . Businesses or consultants whose insurance coverage is not sufficient may need ...

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How Does Professional Indemnity Insurance Benefit You?

If you are a professional and have your own company, then it is advisable that you have professional insurance, which can also be referred to as professional indemnity ... professional indemnity insurance that provides coverage against lawsuits filed because of ... have adequate professional indemnity insurance coverage against financial losses caused by ...

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Investec Acquisition of BizCover the Right Decision

The acquisition of BizCover, an Australian-owned online professional insurance broker marks another key milestone for Investec. FOR IMMEDIATE RELEASE PRLog (Press Release ... , including Business Insurance and Public Liability insurance. It has become the ... most competitive and comprehensive insurance coverage available, in the shortest amount ...

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Who is Covered Under an IT Liability Policy?

... information technology sector face potential liabilities from clients and third parties ... ... and Public Liability? As part of the coverage under IT Liability policies, many ... insurers also provide products and public liability ...

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Big Bunny Business: An Interview with the Easter Bunny

This Easter we had the egg-citing opportunity to interview one of our favourite furry friends and expert chocolatier, the Easter Bunny! With a spring in his step and ... where my Product Liability component of my Public Liability Insurance comes into ... events that could occur, this coverage will protect me from fire ...

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Tips for making a Stress-Free Claim

Making an insurance claim can be stressful but it doesn't need to be. In the aftermath of a disastrous event, we understand how important it is to get your business ... business address. If you have coverage for contents it is a ... make sure you have enough coverage and that you have included ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn't always straightforward, and sometimes you need to get down into the nitty-gritty to understand what insurance is being offered and which one ... on it! Electronic Equipment This coverage protects your nominated electronic equipment ... Portable Equipment and Electronic Equipment coverage have some similarities, but when ...

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Prevention & Protection - The Big Burglary Buffers

If you've ever arrived at your shop or store to find a smashed window or broken door, you'll remember the sinking feeling and the despair that follows. Having your business ... other insurances such as Public Liability. Even though it's called ...

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Professional Indemnity Claims: when should I notify my insurer?

Your Professional Indemnity (PI) insurance is no doubt one of the most vital covers you have for your business. If things don't quite go to plan it can provide much needed ... , as you might inadvertently admit liability which can result in your ... incident there will be no coverage. Your insurer does not have ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to Climb The latest BizCover Small Business Insurance Price Index has been released (Graph 1), and similar to quarter 2 of last ... , but the index for Public Liability and Business Packs increased 4 ... massive 8 points for Public Liability and Business Packs, most other ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... of cover - Public Liability and Product Liability. Public Liability Public Liability covers you for ... damaged or broken. Product Liability Product Liability is designed to protect you ...

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5 Tips for an Insurance Health Check

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5 Common Beauty Insurance Claims

As much as we like to hope otherwise, unexpected events happen! Things can go dreadfully wrong despite the best efforts we take to prevent them and the simplest of setbacks ... much having good business insurance coverage can save a small business ... landlord to hold a Public Liability policy. I've always enforced ...

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Insurance Considerations for Personal Trainers

Working as a personal trainer can be a rewarding career. Not only do you get to help your clients achieve their goals and transform their lifestyles, but it's also the ... types of risk consider public liability insurance which will provide financial ... . Find Out More About Public Liability Insurance As a personal trainer ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for ... ' activities. Failure in obtaining public liability insurance policy can expose a ... ... public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance ... packages, often product liability insurance. However, public liability insurance offers no protection ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection when you can no longer work due to an injury or sickness. A policy will cover your lost ... insurance or Total & Permanent Disability coverage. You'll also have the ... or worse, this type of coverage can be a much needed ...

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Professional Indemnity for Real Estate Agents

In the Real Estate Industry Professional Indemnity Insurance provides essential financial protection against potential losses arising out of acts, errors and omissions ... in the advertising material and liability on the real estate agent ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a drop in some rates, some insurers are holding on to pricing gains made last quarter. The latest Quarterly ... professional sector, primarily around Public Liability and Business Packs (predominately covering ...

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5 Legal Essentials for your Small Business

By Bianca Reynolds Bianca is a lawyer at LegalVision. Throughout her studies, she gained experience in a variety of areas of law including family, commercial, and personal ... resolution procedures; and Limitations of liability and disclaimers. If you provide ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump online, compare quotes and buy the insurance that suits your business. But there ... this in perspective, a public liability policy for an SME working ... to review and update your coverage every year. No doubt your ...

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Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... you rent your premises, public liability may be a requirement from ... % of Australian businesses experienced a cyber attack of some form in ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... you're getting the right coverage at the right price. Each ...

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Insurance for Cabinet Makers- What You Need to Know

When it comes to building and creating quality pieces of craftsmanship, cabinet makers know a thing or two. This highly skilled trade involves having an eye for detail ... . Starting with the basics: Public Liability insurance One of the fundamental ... legal requirement to have Public Liability insurance in place before you ...

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Insurance for Furniture Manufacturers

... the insurance marketplace. From Public Liability cover to a variety of ... ... the types of Business Insurance coverages available include: Contents and stock ... an insured event. Management Liability* Management Liability insurance is designed to provide ...

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Challenges of the Furniture Manufacturing Industry

Modern furniture design Furniture design isn't exactly easy. Furniture designing is an artistic niche that caters to both the functionality, as well as the visual appeal ... important to choose suitable insurance coverage to give you peace of ...

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The Art of Being a Creative Small Business

Whether you're running your own business as a small team or flying solo in the freelance world, one thing is for sure, the creative arts industry is anything but boring ... a requirement to hold Public Liability insurance before you can perform ...

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BizCover SME Insurance Price Index Q1 FY20

... price reductions on their Public Liability insurance, while prices have remained ... ... price reductions on their Public Liability insurance, while prices have remained ... the price of their Public Liability insurance for the most recent ...

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Public Liability Insurance for Cabinet Makers

Working as a cabinet maker, you are presented with many risks from the moment you pick up your tools. Protecting your business against unplanned challenges, like an accident ... cabinet makers, Public Liability insurance. What is Public Liability insurance*? Typically one ... be responsible for. Your Public Liability insurance covers your reasonable legal ...

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Small Business Insurance Index

Despite strong price increases in the business insurance market, SMEs are continuing to benefit from flat pricing. Whilst the market at large has seen an increase in ... the cost of their Public Liability insurance. SME Professionals have been ... seeing increases in their Public Liability insurance over the last few ...

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A roadmap to staying in business for the long haul: Part 2

The journey to becoming a successful small business owner is one of twists, turns and the occasional speed bump. In our two-part series (catch up on part 1 here) we map ... keep your business alive: Public Liability is an essential cover for ... not found liable, your Public Liability policy will cover the associated ...

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A guide to Plasterer's insurance that won't leave you, board

The world of plastering is varied, one day you're crafting decorative ceiling features, the next hanging drywall in an office complex. You've worked hard to get your ... 't be a liability Like most trades, Public Liability insurance is one ... to have your own Public Liability insurance policy before being able ...

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5 insurances every convenience store owner needs to know about

You're a retail lifesaver, helping customers at all hours with all sorts of essentials, from early morning coffees to midnight snacks. As a convenience store, you've ... , marketing and importantly your Public Liability insurance. It is one of ... without the right protection. Public Liability insurance can provide you with ...

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Managing Risk for Tradesmen

Running your own trade business or working as a contractor often means you're exposed to greater risk than many other business owners. There's always the potential for ... insurance. Protect your livelihood Public Liability insurance is undoubtedly one of ...

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How to survive the silly season: a guide for small businesses

In the blink of an eye, the silly season is here again! For some, it's the busiest time of year, from retailers helping people get their last-minute gifts and service ... an active Public Liability insurance in place. Public Liability insurance is designed ... the year with an expensive liability claim. Holding your Christmas party ...

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Beauty to go! What Mobile make-up artists need to know about insurance

There are some obvious pros to working as a mobile freelance make-up artist - you have control over the hours you work, you get to work with a wide range of clientele ... combined as a liability package with your Professional Liability insurance. Portable Equipment ... to have your Professional Liability and Public Liability cover combined through the ...

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Dishing up the facts on food business insurance

Flipping burgers, filleting fish, grinding coffee beans the fast-paced world of the food industry leaves no spare time to be left worrying about whether you have the ... be compulsory, for example, Public Liability insurance is often required when ... should food businesses consider? Public Liability Insurance Dishing up food and ...

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Keep calm and stretch on with Yoga Teacher insurance

Breathe in, breathe out, and let a wave of calm wash over, letting the stress of arranging your yoga teacher insurance go. As a yogi or yogini, you don't have time to ... and circumstances Property damage Public Liability insurance When you work closely ... yoga teacher members: $10m Public Liability $5m Professional Indemnity (malpractice), preferably ...

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The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home away from home and is the place where you work your magic. Whether you're in the business of providing expert advice to clients ... of inoccupancy: Loss, damage or liability during any period in excess ... when calculating the amount of coverage you require. Building insurance doesn ...

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Protect your business with Statutory Liability Cover

There are many different types of insurance policies available to small businesses to protect against countless number of unexpected events, such as injury caused to ... , benefits and features of Statutory Liability insurance. Australia and the law ... your business Adding the Statutory Liability option* to your Business Insurance ...

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When it Rains it Pours: Understanding Flood Cover.

When it comes to Business Insurance, understanding what's included and excluded from your policy can at times feel a tad murky, especially when it comes to flood cover ... comes with some form of coverage against loss or damage arising ...

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What is Cyber Liability Insurance

Hackers. These are not just dodgy movie characters but real life people, doing real damage to businesses across the globe, including Australia. If you’re thinking your small business down under is of no interest to these criminals, think again. Every business with an online presence is at risk of a cyber attack and with cyber crime claiming  6 million victims in 2018it might be time to bite the bullet and get the right cover for your business.i 

Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber breach or attack. Costs associated with defending a cyber claim are also covered.  Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information, cyber crime, cyber extortion/ransomware and business interruption due to a cyber event. 

In a nutshell, your customer data is sacred. If you don’t protect it properly, your business may be fed to the wolves. 

If you’re still not convinced your business may be at risk, here are the cold hard facts about doing business in today’s technically advanced world: 



Independent feedback from our customers rated our service at excellent.

What is included?

  • Business interruption costs 
  • Investigation and data recovery costs 
  • Fines and penalties 
  • Extortion costs 
  • PR and crisis management costs 

What is typically NOT covered?

  • Replacement equipment 
  • Property damage 
  • Prior known facts / circumstances (before the policy commenced)  
  • Intentional acts 

Download Cyber Liability Insurance Fact Sheet

Get the cover that is right for you

With the policies available through BizCover you can choose coverage amounts between $50,000 to $2 million 

Sit back for a minute and think about this….it might be the first time you have considered the impact on your business if your website was taken offline?  Could your business survive the reputation damage, and the losses associated with a data breach 

You should consider what your business requires including by reference to 

Who benefits from this type of Insurance:

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.  The information contained on this web page is general only and should not be relied upon as advice. 

 

Could this happen to you?

Hackers are alive and well and get a thrill out of making business owners sweat. Cyber Liability Insurance can reduce your risks and help you rest easy knowing your business is covered from even the craftiest of criminals. 

Here are is an example: 

The cost of lost data

An insured accountant had an employee who accidentally misplaced a company laptop that contained a list of 1000 client tax records and credit card details. A policy payment totalling $250,000 was made to cover the costs involved with notifying the affected individuals and the Privacy Commisioner of the data breach. The cost of hiring a Public Relations firm to assist the insured with re-building their business reputation was also included.iii 

 


[i] Australian Cyber Security Centre, 2019, https://www.cyber.gov.au/news/sso-launch
[ii] Australian Criminal Intelligence Commision, Cybercrime, 2019, https://www.acic.gov.au/about-crime/organised-crime-groups/cybercrime
[iii] Dual Australia, Cyber Claims Examples, Accessed 2019

 

Cyber Security For Small Businesses

With more and more cyber criminals targeting SMEs, how can small businesses protect themselves?

Cyber Liability Insurance Infographic
Infographic explaining what is Cyber Liability Insurance